Unlock the Full Power of SBA Programs for Your Business.

For-profit small businesses operating in the U.S., with reasonable owner equity investment, demonstrated repayment ability from cash flow, and personal guarantees from owners of 20% or more.

Up to $5 million. Terms up to 25 years for real estate, 10 years for equipment and working capital. Variable or fixed rates, tied to the Prime Rate.

Working capital, inventory, equipment purchase or lease, business acquisition, debt refinancing, and commercial real estate purchase or construction.

Typical approval in 30–90 days depending on lender and loan size. SBA guarantee fees apply based on loan amount and term; Payn Solution streamlines document preparation to shorten this window.

For-profit small businesses with a tangible net worth under $20 million and average net income under $6.5 million (after federal taxes) for the prior two years. Owner-occupied commercial real estate must be 51% or more.

Typically structured as 50% lender loan, 40% CDC/SBA-guaranteed debenture, and 10% borrower equity injection. Fixed rates on the SBA portion for 10, 20 or 25 years.

Purchase or construction of owner-occupied commercial real estate, machinery and equipment with a useful life of 10+ years, and related soft costs. Not for working capital or inventory.

Typically 45–90 days to closing. CDC fees, SBA debenture fees and closing costs apply — we map the full cost stack before you commit.

Small businesses and eligible non-profit intermediary organizations. Intermediary lenders may require completed business training or planning. Personal credit and character reviewed in lieu of extensive collateral.

Up to $50,000, with an average loan of around $13,000. Terms up to 7 years, with rates generally between 8% and 13% set by the intermediary lender.

Working capital, inventory, supplies, furniture, fixtures, machinery and equipment. Cannot be used to pay existing debts or purchase real estate.

Often approved in 2–6 weeks through community-based intermediaries. Minimal fees; advisory support included through the intermediary network.

Businesses located in a declared disaster area that have suffered physical damage or economic injury. Most private non-profit organizations are also eligible. Insurance proceeds are deducted from eligible amounts.

Physical damage loans up to $2 million, with economic injury loans matched to actual working capital needs. Terms up to 30 years, with rates determined by statutory formulas.

Repair or replacement of damaged property, inventory and equipment; working capital to survive economic injury; and up to 20% of the verified loss for mitigation improvements that reduce future risk.

Applications are accepted online through the SBA disaster portal. Payn Solution helps you compile damage documentation, financials and mitigation plans so your submission is complete the first time.